Bread Financial Reviews

Bread Financial is the company that handles the credit cards for two different businesses. The first is a pet company and the second is a shoe company. Well, the shoe company received the credit and did credit my account; however, the amount fell short by 71 cents. For two month, I was charged $35 late which equals $70 plus the 71 cents. Now the pet company, I've been trying for weeks to access my account as far as choosing a new password and nothing seems to be working. One agent said it would take 48 hours for the new password to populate. Another agent said it would take 10 business days. Worst of all, the new password showed up on the sign in of the shoe company.

Comenity charged me recurring $30 late fees and interest on a Bread Cashback® Amex that showed a $0 balance—no purchases, no warning, just silent billing. They have over 500 one-star reviews on BBB describing identical abusive fee patterns: **. It gets worse—they faced an FDIC settlement resulting in a $53 million refund, and multiple lawsuits for deceptive and abusive charges: **. When I asked them to reverse the fees, they denied it. This is predatory billing, not customer service. Stay away.

The worst, horrible...I had no idea I was being charged 35% interest as I never got a statement. It is IMPOSSIBLE to call them as every number you get is wrong or disconnected. That cannot find your account and continue to charge you. The people you speak have no authority to do anything but take a payment and say is there anything else I can do when they do nothing. Horrible, I cannot even pay it off because they still want more interest after.

I had my Victoria Secret card for almost 20 years. I didn’t use my card for about a year due to a female-related illness- no point in buying underwear just for it to be ruined. I’m in remission and went to buy all new underwear. When I tried to pay I found my card had been cancelled for inactivity?!?! I had even called to request, and received, a new card a few weeks earlier. No warning, or any notification the account was subject to being closed. I tried to call customer service for help. They require you to enter your card number. I couldn’t get beyond the prompts for assistance because when I entered my account, I would get an automated message my account was closed and they’d hang up. Very frustrating and disappointing.

Stay Away — This Company is a Scam! I opened a Kay Jewelers Card through Financial Bread and was lured in by their promotion of "no interest for 18 months." What they don’t tell you up front is that the interest is deferred, not waived — meaning if you don’t pay off the entire balance by the end of 18 months, they hit you with all of the accumulated interest from day one! No one ever clearly explained this to me when I opened the account. To make matters worse, they conveniently enrolled me in paperless billing without my consent, so I never saw a physical statement that might have warned me about these terms. This feels like a deliberate trap to mislead customers. I strongly urge others to avoid this card and this company. There are far more honest financing options out there.

The Woman Within credit card is absolutely awful! They charge $3 a month and if you are late, even just a few days they will put it on Experion and Transunion as a delinquent account, even placing that mess on the same day as you make a payment!! When calling the credit card company they'll tell you they fixed it ... but check again because they probably didn't change anything on your account and leaving that crap on your credit score, even when they promised to take it off. Woman within credit card is now canceled. I will not deal with that mess ever again and now will never shop that store either. If anyone has these issues with them dispute your issue with each credit company, transunion and esperion. The credit reporting companies will fix it with the dispute. I'll never deal with or shop woman within ever again! Absolutely a scam!

This bank gets RAVING Reviews. Let me give you the skinny! A bank is a bank is a bank. They will give you the runaround to close a CD and transfer your funds. Every time you want to close a CD, you have to contact Bread Financial. You cannot Close your CD without contacting customer service. They asked me what I am going to do with my funds and gave me a sales pitch to renew my CD. I’m looking for the best CD rates and Bread Financial is trying to sell me their excellent ONLINE customer service department. I’m a very busy person and do not want a Personal Relationship with my bank.

To be clear. I am 50 years old and have a 850 credit score. I have never experienced such a unprofessional company and customer service in my life. I only buy my NFL season tickets with them because the team offers special financing. My payment was due on a weekend and sent it prior to the due date. They posted my payment after the due date and tell me they will not reverse a 30 late charge? Only can refund $15?? Are they serious! After the call today, I am paying my balance and closing the account. Useless company and predatory lender. Just Google the company and reviews. How with all these complaints has this agency not investigated this company. They are purposely charging clients unmarried fees.

Lure you with high rates but make it impossible to access your money. Suspends acct if you make withdrawals. Send emails (I'm overseas) which they don't even read. Received only form letters to call THEM.

Comenity never sent my credit card on the mail and never send me a statement, but they wanted me to pay fees and kept asking for my card number when I had no credit card and waited for it for 2 months. I spoke to someone at Comenity bank. She promised me to waive the fees, but never did. They kept charging me fees every month. Horrible customer service. I’m considering in suing them.